S. Annamalai, W. S. Kuo, A. C. Omar, N. Yusof, and M. A. A. Muin, “SCAI: USER ACCEPTANCE OF A SHARIAH-COMPLIANT CONVERSATIONAL AGENT FOR PROMOTING ISLAMIC FINANCIAL LITERACY AMONG MARGINALIZED COMMUNITIES”, JISTM, vol. 11, no. 44, pp. 783–799, Sep. 2026.